What to do?

Before contacting your creditors do the following:

• Calculate how much money you owe
• Check agreements for payment protection insurance
• Make a list of your income and outgoings and stick to a budget
• Work out if you've got any money to pay your debts off and, if so, how much
• Deal with the most urgent debts as a matter of priority
• Consider your options for dealing with the less urgent debts and work out how to pay them off
• Contact your creditors and make arrangements to pay back what you owe
• Work out your options if you don't have enough money to pay off all your debts
• Check you are receiving all the benefits to which you are entitled
• Try and reduce your outgoings by saving money on bills

Services - Debt